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If you have questions about car insurance, just call and ask!

Do you provide private auto insurance?
Although BC residents must buy basic car insurance from ICBC, private insurance is available for optional coverages, such as excess third party liability, collision, comprehensive, and loss of use. The combination of ICBC basic coverage and private optional coverages can result in cost savings in many situations. Car insurance premiums are calculated with various factors such as claims history, geographic location, insurance history, and named drivers.

Do I need to list everyone who may drive my vehicle?
Under the current insurance system in BC vehicle owners will be asked to list the main driver of the vehicle as well as household members or employees who also drive the vehicle. Additional drivers may also be added depending on how often they will drive the vehicle. Additional drivers can be added or removed from your policy at any time.

Why do I need to list drivers?
Knowing who will drive your car helps ICBC to accurately assess the risk and ensure the right person is held accountable in the event of an at-fault crash.

Do new drivers pay more?
Your driving experience is one of the main factors ICBC looks at when determining your insurance premiums. You’ll earn better Basic insurance discounts for each year of driving experience you have. In general, “L” and “N” class licensees will be subject to higher rates due to their relative inexperience.

Under the system released in 2019, long-term safe drivers will continue to have their discount protected if they’re at-fault for one crash but that won’t be the case if they have multiple at-fault crashes. All drivers will continue to earn credit towards discounts for each year of driving without an at-fault crash.

What is ICBC Unlisted Driver Protection?
If you want some flexibility to lend your car to an occasional driver who is not listed as the Unlisted Driver Protection coverage covers unnamed drivers for up to 12 days a year per driver. This coverage protects you from a one-time financial consequence should an occasional driver not listed on your policy have a car accident.

If you have a RoadStar or Roadside Plus package you will already be covered for rental vehicles.
Get a car insurance estimate from ICBC

What’s covered under my ICBC policy if I need to rent a car?
When you rent a car in Canada there are options for liability protection and for the rented vehicle. Many rental companies offer insurance, as do some credit cards. However, Rental Vehicle coverage with ICBC is usually less expensive and offers broader coverage. Note: ICBC coverage will not extend outside of Canada and the USA. Check with your Autoplan advisor to ensure that the right questions are asked and answered.

What insurance options do I have if I’m temporarily not using my car?
ICBC does not temporarily suspend an active insurance policy. However, a few options may be available to meet your changing needs. Speak to your Autoplan broker about:

  • buying a Storage Policy if you’re not using your vehicle or intend to put it in storage,
  • reducing your coverage to a minimum, or
  • getting a short-term policy lasting between three and 11 months.
  • If you cancel your policy before it expires, you can be eligible for a refund. Find out more about cancelling your insurance.

How do I check for liens on a vehicle in BC, before you buy a car?
When buying a used car it’s best to get the vehicle mechanically checked and ensure there are no liens for other impediments. In BC, liens are registered by the Personal Property Registry in Victoria.

When buying a used car it’s best to get the vehicle mechanically checked and ensure there are no liens for other impediments. In BC, liens are registered by the Personal Property Registry in Victoria.

For $10, you can have a lien search done by:

Call us at 604-255-4616 for more information on car insurance.

Reliance Insurance will lay out all your car insurance options so you can drive with peace of mind.

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Reliance has been extremely helpful with our home and auto insurance needs. They are very knowledgeable and responsive. My husband Matt and I are very happy with the service. We can always trust them to find the best rates and options for us. Highly recommend!

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